Social Security Disability Insurance - Why You Need to Research It

Oct 30

The social security and supplemental income disability programs are the largest federal programs providing assistance to people with disabilities. Social security disability insurance pays you and your family benefits if you have worked long enough and paid enough social security taxes. Supplemental Security Income, on the other hand, pays benefits based on your financial need. There is a common social stigma for people who earn welfare that sometimes includes people who collect social security disability insurance. SSDI is not a welfare program, and requires an extensive qualification process proving that the people receiving SSDI are indeed disabled.

-have a mental or physical condition preventing you from carrying out any “substantial gainful work”

-the condition must last for 12 months or result in death

-under the age of 65

-have been working 5 out of the last 10 years

The work requirement is waived if the person suffered the condition at or before the age of 22. The person would thereby collect on the parents’ work credits with no loss of benefits to the parents. Medical evidence and an evaluation is conducted to demonstate that the applicant is unable to work.

If you feel that you qualify for social security benefits, you will need to decide between title II disability vs. Title XVI SSI. You should consult your elder care lawyer immediately. The two programs are drastically different in that disability will usually pay more based on your work history over the past 10 years. Generally, Disability pays more and you don’t have to worry about your payments being offset from family support and other welfare programs.

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